Russellville, AL Home Insurance - Analysis On Quotes, Rates & Agents
Russellville Insurance Rates:
Russellville, AL homeowners insurance is approximately $794 to $1,080, about $66-$90/month. Our comprehensive research reveals consumers can save as much as $374 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
AllstateWhat i like about my allstate policy is that the agent is very friendly and helpful whenever i have a question. he does seem to honestly look for potential cost savings for me, though it may not be the best for allstate financially.
AllstateThey can be hard to get in touch with over-the-phone and have a lot of menu options to choose from which can be irritating during a busy day.
State FarmI like that i get a sizable discount from my home insurance provider by also having them for my car insurance.
State FarmI think they are no more or less than other insurance companies. I think they are cheaper because I bundle. But I have had cheaper coverage with another insurance company and they had the worst customer service.
TravelersCommunication has been thorough and personal when needed. I can reach my agent, have been able to reach and get information from my adjuster, and also had very good communication with the company attorney's office who was handling my case.
Farmer's InsuranceI like their service because our close friend is our agent. I can call or message him anytime.
Russellville, AL Homeowners Insurance By Home Value
| Russellville, AL Home Value | Total Homes | % of Total | Average Russellville, AL Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 1,096 | 22.0% | $262 |
| $50,000 to $59,999 | 271 | 5.0% | $552 |
| $60,000 to $69,999 | 439 | 9.0% | $684 |
| $70,000 to $79,999 | 346 | 7.0% | $796 |
| $80,000 to $89,999 | 338 | 7.0% | $899 |
| $90,000 to $99,999 | 436 | 9.0% | $1002 |
| $100,000 to $124,999 | 461 | 9.0% | $1161 |
| $125,000 to $149,999 | 267 | 5.0% | $1452 |
| $150,000 to $174,999 | 396 | 8.0% | $1724 |
| $175,000 to $199,999 | 256 | 5.0% | $1986 |
| $200,000 to $249,999 | 251 | 5.0% | $2389 |
| $250,000 to $299,999 | 133 | 2.0% | $2923 |
| $300,000 to $399,999 | 98 | 2.0% | $3710 |
Top Home Insurance Agents Near Russellville, AL
| Home Insurance Company Near Russellville, AL | Homeowners Insurance Agency Near Russellville, AL | Address |
|---|---|---|
| Nationwide | Akin & Associates Inc. | 820 Bradley St SW, Decatur, AL, 35601 |
| Allstate | Christian Hetrick | 4039 Florence Blvd, Florence, AL, 35634 |
| Allstate | Jesse Dee Wisdom | 2101 Florence Blvd Ste A, Florence, AL, 35630 |
| State Farm | Michael Howell | 903 S Clinton St, Athens, AL, 35611-3562 |
| Farmers | Wade Dinsmore | 145 14th St SW, Decatur, AL, 35601 |
Cost Of Homeowners Insurance By Street Near Russellville, AL
| Streets in Russellville Area | Homeowners Insurance Cost |
|---|---|
| City Lake Dr NW, 1st St S, Old Water Plant Rd, Moulton Rd, Steien Dr, Vinson Ln, Peach Ave NE, Filmore St SW, Britton Rd, Baker Rd | $938 |
| Coffee Ave, Lost Creek Rd, Linden St, Colby Ln, Mountain Star Rd, Dale Ave, Hovator Mill Rd, Hill Ave, Mulberry Ave, Twin Pines Cir | $933 |
| John Tyler St, Walnut St, Quail Run Rd, Sutton Dr, Co Rd 46, Willow Bend Plz Apts, Rail Splitter Rd, Beaumont St, McCluskey Rd, Old Schoolhouse Rd | $949 |
| Cox Ln, Gandy St NW, Hamilton Rd, Sockwell Ave, Co Rd 339, Mc Gee St, Hall Ave S, Washington Ave N, Co Rd 40, Co Rd 99 | $936 |
| Juniper Gold Trailer Ct, Lower Woods Cove, Washington Ave N, Newell Dr, Valley View Dr, Martina Ln, Co Rd 58, Co Rd 65, Harris Rd, Co Rd 724 | $942 |
Russellville, AL Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Russellville | $140 to $143 |
| Franklin County | $139 |
| Belgreen | $146 |
| Littleville | $140 |
Russellville, AL Auto & Homeowners Insurance Bundling Discounts
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Franklin County, Alabama | $117 | $155 | $233 |
| Belgreen CDP, Alabama | $122 | $163 | $244 |
| Spruce Pine CDP, Alabama | $116 | $154 | $231 |
Russellville, AL Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Russellville, AL | 8.0% | 24.1% |
| Franklin County | 8.29% | 24.0% |
| Phil Campbell | 8.3% | 23.8% |
| Littleville | 8.04% | 23.38% |
Russellville Renters Insurance as a Percentage of Rent
| Russellville Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 95 | 4.0% | $369 |
| $200 to $299 | 240 | 10.0% | $819 |
| $300 to $499 | 496 | 22.0% | $1269 |
| $500 to $749 | 1,073 | 48.0% | $1944 |
| $750 to $999 | 253 | 11.0% | $2694 |
| $1,000 to $1,499 | 48 | 2.0% | $3819 |
Average Cost Of Home Insurance By Company In Areas Nearby Russellville For Different Scenarios
| Deductible | Coverage | Company | Premium ($) |
|---|---|---|---|
| $500 | $150,000 | Allstate Vehicle And Property Insurance Company | 736 |
| $500 | $150,000 | Amica Mutual Ins Company | 1797 |
| $500 | $150,000 | Armed Forces Insurance Exchange | 744 |
| $500 | $150,000 | Farmers Insurance Exchange | 1163 |
| $500 | $300,000 | Alfa Mutual Insurance Company | 2397 |
| $500 | $300,000 | American National General Ins Company | 1336 |
| $500 | $300,000 | Garrison Property And Casualty Insurance Company | 1800 |
| $500 | $300,000 | Nationwide General Ins Co | 1228 |
| $500 | $300,000 | State Farm Fire & Casualty Company | 2580 |
| $500 | $300,000 | Usaa Casualty Insurance Company | 1898 |
Russellville, AL Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $900 | $1,900 |
| Yearly Russellville Homeowner Insurance Premium Example | $800 | $600 |
| Out of Pocket Expense During Claim | $900 | $1,900 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $7,300 | $6,700 |
| Net Savings to Russellville Home Owner from High Deductible Plan | $600 | |
Russellville, AL Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Russellville, AL Home Replacement Value MORE than Home Value | Russellville, AL Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $102,000 | $60,500 |
| Insurance Premium based on Replacement Value | $575 | $350 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $26,000 | Risk Exposure from Under Insuring Coverage is $15,500 |
| Premium Impact | Insurance cheaper by $100/year | Insurance costlier by $125/year |
Example Russellville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Amica Mutual Insurance Company | Chubb Group of Insurance | Farmers Insurance |
| Monthly Premium | 54 | 47 | 106 |
| Year Built | 1971 | 2005 | 1983 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $100000-$125000 | $150000-$175000 | $300000-$350000 |
| Deductible | $500 Deductible | $2500-$5000 Deductible | $1000-$2500 Deductible |
Sample Home Insurance Rates for Russellville, AL from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 2000 | 345,000 | Tile Roof | 4,450 | 5 | > $10,000 Deductible | 590 | 6 | Vinyl siding | yes |
| 1975 | 325,000 | Metal Roof | 4,150 | 5 | $5000 to $10,000 Deductible | 520 | 5 | Fiber-Cement Siding | yes |
| 2005 | 295,000 | Metal Roof | 4,500 | 5 | $500- $1000 Deductible | 1130 | 9 | Fiber-Cement Siding | yes |
| 2003 | 150,000 | Slate Shingles Roof | 2,240 | 3 | $1000-$2500 Deductible | 500 | 12 | Wood siding | yes |
| 1989 | 185,000 | Wood Shake Roof | 2,870 | 4 | $5000 to $10,000 Deductible | 410 | 8 | Stone Siding | No |
| 1998 | 155,000 | Tile Roof | 2,150 | 5 | $1000-$2500 Deductible | 650 | 12 | Stucco siding | No |
| 1992 | 175,000 | Shingles Roof | 3,150 | 5 | $500 Deductible | 500 | 9 | Stone Siding | No |
| 1990 | 85,000 | Slate Shingles Roof | 1,370 | 3 | $1000-$2500 Deductible | 50 | 3 | Fiber-Cement Siding | yes |
| 2000 | 85,000 | Membrane Roof | 1,270 | 3 | $1000-$2500 Deductible | 100 | 3 | Vinyl siding | No |
| 1992 | 325,000 | Asphalt Shingles Roof | 4,430 | 5 | $2500-$5000 Deductible | 690 | 7 | Vinyl siding | yes |
| 1970 | 150,000 | Metal Roof | 2,080 | 4 | $2500-$5000 Deductible | 50 | 1 | Stucco siding | No |
| 1977 | 130,000 | Slate Shingles Roof | 1,910 | 3 | $2500-$5000 Deductible | 350 | 7 | Vinyl siding | No |
| 2007 | 310,000 | Shingles Roof | 4,450 | 5 | $500- $1000 Deductible | 510 | 5 | Vinyl siding | yes |
| 1976 | 120,000 | Slate Shingles Roof | 1,710 | 5 | $500- $1000 Deductible | 130 | 3 | Brick siding | yes |
| 1997 | 150,000 | Composition Roof | 2,870 | 4 | $1000-$2500 Deductible | 170 | 3 | Stucco siding | No |
| 1984 | 150,000 | Asphalt Shingles Roof | 2,270 | 3 | $500- $1000 Deductible | 120 | 2 | Brick siding | No |
| 1975 | 320,000 | Wood Shake Roof | 4,350 | 5 | $1000-$2500 Deductible | 280 | 2 | Stone Siding | yes |
| 1977 | 110,000 | Slate Shingles Roof | 1,740 | 4 | $500 Deductible | 200 | 7 | Stucco siding | yes |
| 2005 | 120,000 | Composition Roof | 1,810 | 4 | $1000-$2500 Deductible | 530 | 12 | Fiber-Cement Siding | yes |
| 1984 | 120,000 | Membrane Roof | 2,220 | 3 | $2500-$5000 Deductible | 180 | 5 | Stone Siding | yes |
| 1997 | 70,000 | Composition Roof | 1,350 | 3 | $500 Deductible | 30 | 1 | Stone Siding | No |
| 1989 | 110,000 | Wood Shake Roof | 1,430 | 3 | $1000-$2500 Deductible | 180 | 7 | Vinyl siding | yes |
| 1978 | 230,000 | Membrane Roof | 3,220 | 4 | $2500-$5000 Deductible | 430 | 5 | Wood siding | No |
| 1987 | 180,000 | Slate Shingles Roof | 2,400 | 3 | $2500-$5000 Deductible | 80 | 2 | Brick siding | yes |
| 1984 | 205,000 | Tile Roof | 3,340 | 4 | $2500-$5000 Deductible | 540 | 8 | Fiber-Cement Siding | No |
| 2008 | 65,000 | Composition Roof | 1,200 | 3 | $500 Deductible | 310 | 12 | Stucco siding | yes |
| 1996 | 180,000 | Slate Shingles Roof | 2,760 | 5 | $2500-$5000 Deductible | 270 | 4 | Stucco siding | yes |
| 2004 | 180,000 | Metal Roof | 2,870 | 4 | $5000 to $10,000 Deductible | 400 | 9 | Stone Siding | No |
| 1991 | 160,000 | Asphalt Shingles Roof | 2,920 | 4 | $2500-$5000 Deductible | 60 | 1 | Vinyl siding | No |
| 1981 | 105,000 | Asphalt Shingles Roof | 1,360 | 3 | $500- $1000 Deductible | 140 | 3 | Stucco siding | yes |
| 1996 | 165,000 | Tile Roof | 3,150 | 4 | $500- $1000 Deductible | 640 | 10 | Brick siding | yes |